Manage Momentum

How to cancel momentum medical scheme and app subscriptions in south africa

What momentum is and why you might cancel

Momentum is a major South African financial services brand offering medical scheme coverage, wellness apps and productivity subscriptions. You may hold a Momentum medical aid plan, use one of their wellness apps like Energising Habits, or subscribe to their Momentum Plus productivity dashboard. Each service operates differently, and cancellation depends on which Momentum product you're exiting.

Whether you're switching medical schemes, downgrading your wellness app, or simply cutting costs, understanding your options is the first step toward taking control. At Stopee, we help thousands of South Africans navigate cancellation processes with confidence and clarity. This guide walks you through every path to cancelling Momentum services, what to expect afterward, and how to protect your rights along the way.

Who this guide is for

You're reading this because you want to cancel a Momentum product, but you're not sure of the exact steps, timelines or your refund rights. This guide covers app-based subscriptions (via Apple App Store or Google Play) and Momentum medical scheme memberships, including what happens to your coverage, how to request refunds, and what consumer protections apply in South Africa.

What you'll learn

By the end of this guide, you'll know the formal cancellation process for your specific Momentum service, the notice periods and terms that apply, whether you're eligible for a refund, and the legal rights you hold as a South African consumer. Stopee has assembled this information to empower you to cancel on your terms, not the company's.

Momentum pricing and plan options

Momentum offers multiple subscription tiers across different product lines; here's what you're currently paying.

App subscriptions and wellness plan costs

Momentum's app-based services are available through the Apple App Store and Google Play Store in South Africa. The pricing below reflects current rates for the Energising Habits wellness app and Momentum Plus productivity dashboard (2024/2025).

Medical scheme membership notes

Momentum's medical aid plans vary significantly in cost and cover depending on your age, family size and chosen option. Unlike app subscriptions, medical scheme premiums are customised and billed monthly or quarterly. Your cancellation terms are set out in your membership documentation, not on a price list. Check your latest policy statement or contact Momentum directly for your exact premium and notice period.

Reasons you might want to cancel momentum

Before you commit to cancellation, it's worth considering what's pushing you toward the exit door.

Cost and affordability concerns

If your Momentum premium or subscription feels unaffordable, you're not alone. Medical aid costs rise annually in South Africa, and wellness app subscriptions add up quickly across a household. You might be switching to a cheaper scheme, consolidating apps, or simply tightening your budget. Stopee understands that cancellation often comes down to pounds and pence, and your decision to cancel is valid.

Poor service or coverage gaps

You may have discovered that Momentum's medical scheme doesn't cover your preferred doctors or hospitals, or that claims are taking weeks to settle. Wellness app users often cancel because features don't match their needs or the app doesn't integrate with other tools they use. Frustration with customer service or long wait times on claims is another common reason to leave.

Switching to a competitor

You might be moving to another medical scheme that offers better rates, wider network coverage, or improved claims turnaround. Similarly, you could be replacing a Momentum app subscription with a competitor's product. Having a plan in place-the name and details of your new provider-makes cancellation smoother.

How to cancel a momentum app subscription

Cancelling an app subscription is faster than exiting a medical scheme, but it requires you to act through the app store where you bought it, not through Momentum directly.

Cancel via apple app store (iOS)

1. Open the Apple App Store on your iPhone or iPad.
2. Tap your profile icon in the top-right corner, then select "Subscriptions".
3. Find the Momentum app subscription (Energising Habits or Momentum Plus) and tap it.
4. Tap "Cancel Subscription" at the bottom of the screen.
5. Confirm your cancellation by selecting the reason for leaving (optional, but helps Apple gather feedback).
6. Take a screenshot of the cancellation confirmation screen and save it to your device or email it to yourself.

Pro tip: Apple typically allows a refund window of 14 days after your subscription renews. If you cancel mid-cycle, your access continues until the current billing period ends, and no refund is issued. Cancel as close to your renewal date as possible to maximise value.

Cancel via google play store (Android)

1. Open the Google Play Store app on your Android device.
2. Tap your profile icon in the top-right corner and select "Payments and subscriptions".
3. Choose "Subscriptions" from the menu.
4. Tap the Momentum subscription you want to cancel (Energising Habits or Momentum Plus).
5. Tap "Cancel subscription" and confirm the cancellation when prompted.
6. Screenshot the confirmation page and save it as proof of cancellation.

Warning: Google Play processes cancellations immediately, but your subscription access lasts until the end of your current billing period. You will not be charged again after you cancel.

Requesting a refund from the app store

If you cancel within 48 hours of purchase and haven't used the service significantly, you may qualify for a refund through the app store. Both Apple and Google assess refund requests on a case-by-case basis.

• Apple App Store: Go to reportaproblem.apple.com, find your Momentum charge, and select "I'd like a refund for this purchase". Provide a clear reason (e.g., accidental purchase, didn't use the app).
• Google Play Store: Open the Play Store, go to your account menu, select "Payments and subscriptions", find the charge, tap it, and choose "Report a problem". Explain why you're requesting the refund.

Neither store guarantees approval, but the 48-hour window and minimal usage give you the strongest case. Keep your cancellation screenshot and the refund request confirmation.

How to cancel a momentum medical scheme membership

Exiting a Momentum medical aid plan is more formal than cancelling an app; you must submit written notice and follow contractual notice periods.

Check your policy terms first

Before writing anything, locate your most recent Momentum policy document or membership statement. Look for these critical details:

• The required notice period (typically 30, 60 or 90 days)
• The effective date of cancellation (often the last day of the month following notice)
• Any clauses about mid-cycle refunds or pro-rata adjustments
• Your membership or policy number

Pro tip: If you can't find your policy, contact Momentum directly and request a copy of your current terms and conditions. Ask specifically about the cancellation notice period and effective date rules.

Prepare your written cancellation letter

Momentum requires formal written notice to cancel your medical scheme. Your letter should be brief, clear and include:

• Your full name and membership or policy number
• The date you want the cancellation to take effect (respecting the notice period)
• A simple statement: "I hereby give notice of my intention to cancel my Momentum medical scheme membership effective [date]"
• Your current contact details (phone and email)
• Your signature (handwritten or typed)

Do not include lengthy explanations of why you're leaving; keep it professional and direct. Keep a copy of the letter for your own records before you send it.

Submit your cancellation notice

1. Address your letter to Momentum Medical Scheme head office (see the address in the "Contact and escalation" section below).
2. Send the letter by one of these methods:
   • Registered mail or courier (recommended for proof of delivery)
   • Personal delivery (get a dated receipt from reception)
   • Email to the cancellation email address listed on your policy statement (if provided)
3. Request written confirmation of your cancellation, including the effective date and any final billing details.
4. Allow 5 to 10 business days for Momentum to respond if you used email or registered mail.

Warning: Do not rely on phone calls or informal messages to cancel. Momentum may not recognise a verbal cancellation, and you could find yourself charged for months after you thought you'd left. Written notice-with proof of delivery-is the only safe method.

What happens to your coverage and data after cancellation

Cancellation affects your access and information in different ways depending on whether you've cancelled an app or a medical scheme.

Medical scheme coverage and final billing

Your Momentum medical scheme coverage ends on the effective cancellation date stated in the scheme's response letter. Any claims submitted after that date will be rejected unless they relate to incidents that occurred while your coverage was active. You remain responsible for any premiums owed up to and including the last day of coverage.

Request a final account statement from Momentum showing all charges, any outstanding amounts, and confirmation that no further premiums will be billed. If you're owed a pro-rata refund of any prepaid balance, ask for it in writing and request a payment timeline.

App subscription access after cancellation

When you cancel an app subscription through the app store, your access to premium features continues until the end of your current billing cycle. On the renewal date, access stops automatically. You can still delete the app from your device if you wish, and reinstalling it later will show you as a non-subscriber.

Your data and account information

Momentum retains your clinical and administrative records as required by South African law (the National Health Act and scheme regulations require 5+ years of retention). You cannot force immediate deletion, but you can request to see what data is held about you and ask whether any personal information can be updated or redacted.

For app subscriptions, your user profile and app data may remain on Momentum's servers unless you explicitly request deletion. Contact Momentum's data privacy team if you want confirmation that your personal data has been removed from their systems. Stopee recommends making this request in writing and keeping the response for your records.

Refunds and pro-rata adjustments

Your refund eligibility depends on the type of Momentum service and when you cancel relative to your billing cycle.

App subscription refunds

Apple and Google handle refunds for app store subscriptions, not Momentum. You must request refunds directly through the app store (see the section "Cancel via Apple App Store" or "Cancel via Google Play Store" above). Refunds are not guaranteed and typically only apply if you cancel within 48 hours of purchase or if the app has a material fault.

If you cancel mid-cycle (any time other than immediately after purchase), you will not receive a refund. Your access lasts until the end of the billing period you've already paid for.

Medical scheme refunds and pro-rata premiums

Momentum's refund policy depends on your scheme rules and the timing of your cancellation. Some schemes offer pro-rata refunds if you cancel before the end of a quarterly or annual prepayment; others do not. Always request a written statement from Momentum explaining whether you're entitled to any refund and the calculation method.

Pro tip: If you've paid for a full month or quarter in advance and cancel partway through, argue for a pro-rata refund based on unused days. Momentum may not volunteer this; you have to ask. Stopee has seen many consumers recover small but meaningful refunds simply by requesting them in writing.

Keep all proof of payment (bank statements, payment receipts, policy documents) and your cancellation confirmation. If Momentum disputes your refund claim, this evidence becomes your leverage.

Your consumer rights in south africa

South African consumer law gives you specific protections when cancelling paid services, including medical schemes and app subscriptions.

Consumer protection act rights

The Consumer Protection Act (CPA) of 2008 protects you by requiring that:

• Service providers must be clear about cancellation terms and notice periods upfront; hidden or buried cancellation clauses are enforceable only if they're brought to your attention.
• You have the right to cancel a distance transaction (including app store subscriptions) within 14 days without penalty, provided you notify the provider before the deadline and give a clear reason.
• You cannot be charged fees or penalties for cancelling on time and in writing.
• Refunds owed to you must be processed within 5 business days of the cancellation taking effect (if the law permits a refund).

Pro tip: If Momentum refuses to acknowledge your cancellation notice or continues to bill you after your termination date, you have grounds to lodge a complaint with the National Consumer Commission (NCC). Stopee recommends keeping all correspondence for at least 12 months after your cancellation is complete.

Medical schemes act provisions

If you're cancelling a Momentum medical scheme, the Medical Schemes Act 131 of 1998 also applies. This law requires:

• Medical schemes must provide you with a copy of the scheme rules, including cancellation terms, at no cost upon request.
• Schemes must process cancellations within the notice period specified in their rules and confirm the effective date in writing.
• You have the right to appeal any refund decision or billing dispute to the Registrar of Medical Schemes (a government agency) if Momentum refuses to resolve it.

If Momentum fails to respond to your cancellation notice within 10 business days, or if the scheme continues to bill you after the effective cancellation date, you can escalate to the Registrar of Medical Schemes without needing a lawyer.

What to do if momentum refuses to cancel

If Momentum ignores your cancellation notice, demands payment after the termination date, or refuses to provide a written response, follow this escalation path:

1. Send a second written notice (registered mail) restating your cancellation request and citing the date of your first notice.
2. Include a reference to the relevant cancellation clause in your policy and the law (Consumer Protection Act or Medical Schemes Act).
3. Request a written response within 5 business days.
4. If there is no response, lodge a formal complaint with the National Consumer Commission (NCC) via their website (ncc.org.za) or at their physical address in Pretoria.
5. For medical schemes specifically, contact the Registrar of Medical Schemes (registrar@medicalschemes.co.za) and provide copies of your cancellation letter and Momentum's refusal or silence.

The Registrar of Medical Schemes and the NCC have the power to fine Momentum and force compliance. Escalation typically works; companies act quickly once a regulator is involved.

Common mistakes to avoid when cancelling momentum

Cancelling should be straightforward, but one small misstep can leave you fighting with Momentum for months or facing unexpected charges.

Relying on phone calls or chat messages

Speaking to a Momentum representative and being assured your cancellation is processed sounds reassuring-until you're charged again the next month. Phone calls and chat messages leave no paper trail and are easily disputed. Always send written cancellation notice and get a written response confirming the effective date. This is your only proof if a dispute arises.

Cancelling without checking your notice period

If your policy requires 30 days' notice and you send your letter on the 1st of the month, expecting cancellation on the 15th, Momentum will reject it. You'll have to send a new notice and wait another 30 days. Always read your policy terms before submitting cancellation notice, and calculate the effective date to the day. If you're unsure, ask Momentum in writing what the exact date will be.

Stopping payment before the cancellation is confirmed

Do not stop your bank transfers or change your payment method before Momentum confirms that your cancellation is complete. If they're still billing you, they may report your non-payment to a credit bureau as a default, even though you've cancelled. Let Momentum cancel the subscription on their end; then your payments naturally stop on the last day of coverage.

Deleting the app without cancelling the subscription

Deleting the Momentum Energising Habits or Momentum Plus app from your phone does not cancel your subscription. You'll continue to be charged weekly or monthly until you cancel through the app store. The app deletion is a separate step that comes after cancellation.

Not requesting refund confirmation in writing

Momentum may verbally agree to a pro-rata refund or fee waiver, but without written confirmation showing the amount and payment date, you have no evidence if the refund never arrives. Always ask for a written statement detailing any refund and the expected payment timeline. Stopee has seen refunds "promised" disappear entirely when there's no documentation.

What to do after your momentum cancellation is complete

The cancellation process doesn't end when you hit "submit" on your notice letter; there are important follow-up steps to protect yourself.

Monitor your bank account and credit card

For 2 to 3 billing cycles after your cancellation effective date, watch for any unexpected charges from Momentum. If a charge appears, screenshot it immediately and contact your bank to dispute it as a "charge after cancellation". Banks can reverse these charges and issue credits, but only if you report them promptly.

Keep all cancellation documentation

File away:

• Your original cancellation letter (signed copy)
• Proof of sending (registered mail receipt, delivery confirmation or email read receipt)
• Momentum's written response confirming the cancellation and effective date
• Any refund confirmation or final account statement
• App store cancellation screenshots (for app subscriptions)

Retain these documents for at least 12 months. If Momentum ever disputes the cancellation or attempts to bill you later, you'll have evidence to shut down the dispute instantly.

Arrange coverage with a new provider

For medical scheme cancellations, do not let a gap in coverage occur. Before your Momentum cancellation takes effect, confirm that your new medical scheme's coverage begins on the same date or earlier. A gap in medical aid coverage can leave you vulnerable to expensive out-of-pocket costs.

Request your data portability or deletion

If you want your personal data removed from Momentum's systems (beyond the legally required retention of clinical records), send a formal data deletion request to Momentum's data privacy team. Reference the Protection of Personal Information Act (POPIA) and request confirmation that all non-essential personal data has been deleted. Keep the response.

Momentum cancellation checklist

Use this checklist to ensure you've completed every step and haven't missed anything.

Contact and escalation details for momentum

If you need to contact Momentum to submit your cancellation notice, request refund information, or escalate a dispute, use these details.

Momentum medical scheme head office

For written cancellation notice:

Postal address: Momentum Medical Scheme, PO Box 1278, Johannesburg 2000, South Africa

Physical address: Momentum Metropolitan Centre, 114 Main Road, Bryanston, Johannesburg, South Africa

Email: Check your policy statement or call 086 000 66 386 for the current cancellation email address.

Telephone: 086 000 66 386 (during business hours, Monday-Friday 08:00-17:00).

Escalation to regulators

If Momentum fails to respond to your cancellation or refund request:

National Consumer Commission (NCC): complaints@ncc.org.za or visit ncc.org.za.

Registrar of Medical Schemes: registrar@medicalschemes.co.za (for medical scheme disputes only).

Final takeaway: take control of your cancellation

Cancelling Momentum-whether an app subscription or medical scheme membership-is your right as a consumer. You don't owe the company an explanation, and you don't need permission. What you do need is clarity, a record of your request, and awareness of your legal protections under South African consumer law.

This guide has walked you through the step-by-step process for both app-based and medical scheme cancellations, shown you how to defend your refund rights, and explained what to do if Momentum tries to ignore you. Stopee has helped thousands of consumers cancel services confidently and recover money they thought was lost. Whether you're switching providers or simply cutting costs, the power is in your hands-not Momentum's.

Start with your cancellation letter or app store action today, keep all documentation, and monitor your account afterward. If you face resistance, escalate to the National Consumer Commission or Registrar of Medical Schemes without hesitation. You have the law on your side, and Stopee is here to remind you of your rights every step of the way. Cancelling should be simple; with this guide, it will be.